I am a single Mom who live in NJ with my four children. My total household income is about $60,000. I private pay for my insurance and my children recently lost their health insurance when their father lost his job in Nov ’14. I am frantically trying to obtain affordable health care for my 4 children. I claim all 4 as dependents and yet was told by a Marketplace representative Monday evening that we do not qualify for Obamacare. My household income falls below 400% of the FPL of $27,000 but is above the Medicaid limit of 138% of FPL. Can you please help me understand why my children were not approved to obtain a subsidized plan through the Marketplace?
If your income is under 400% of the Federal Poverty Level and you don't have access to employer coverage, Medicaid, or Medicare then you do qualify. Not sure what happened, but this is an error on the person who told you that you don't qualify. Go sign up at healthcare.gov and the application process should qualify you for cost assistance.
$95,400 is 400% of the Federal Poverty Level for a family of four. The rep must have thought that you had employer coverage or misunderstood that we are talking a family of 4.